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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,299 | $55,932+6.0% | $76,735-22.7% | $67,986-12.8% |
| Participation rate | 79.1% | 50.8%+28.3pp | 69.5%+9.6pp | 57.2%+21.9pp |
| Annual return | 14.52% | 23.10%-8.6pp | 29.77%-15.3pp | 31.67%-17.1pp |
| Employer contribution / active EE | $645 | $1,487-56.6% | $2,454-73.7% | $2,019-68.0% |
| Participant deferral / active EE | $4,026 | $2,558+57.4% | $4,088-1.5% | $3,358+19.9% |
| Admin fee / account holder | $4,628 | $4,907-5.7% | $7,189-35.6% | $3,203+44.5% |